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This time of the year, everyone is busy preparing for the holidays. Along with the holidays comes . . . shopping! Now, hopefully, holiday shopping for you means moderation and not over-extending yourself. After all, the true meaning of the holidays has very, very little to do with giving presents. But, let’s be real, you’re […]

The bankruptcy laws in the United States allow honest debtors to obtain relief from their creditors and get a fresh start. But sometimes, wiping the slate clear isn’t that simple; that’s where the power of a Chapter 13 bankruptcy can be useful.

Most people probably do not understand that 90% of the time when someone files a Chapter 7 bankruptcy they do not lose any of their property. This is because in a bankruptcy, you can keep all property which the law says is “exempt” from the claims of creditors. Exemptions can be determined under your state […]